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Viewing profile - mrmiser

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mrmiser
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Joined: Fri Mar 01, 2013 10:11 am
Last visited: Thu Oct 17, 2013 2:48 pm
Total posts: 13
[0.01% of all posts / 0.01 posts per day]
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Most active forum: Fiscal Fitness Journals
[ 12 Posts / 92.31% of user’s posts ]
Most active topic: MrMiser Financial Health Log
[ 11 Posts / 84.62% of user’s posts ]

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mrmiser Posts

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 Forum: Fiscal Fitness Journals   Topic: MrMiser Financial Health Log

Posted: Thu Mar 28, 2013 2:29 am 

Replies: 18
Views: 4954


If you do a Roth IRA conversion, you have to pay taxes on the conversion amount, since you took a deduction putting into the traditional IRA. If you wind up owing too much at tax time, you could be penalized for underwithholding. There are several ways to deal with this, outlined in this article . ...

 Forum: Fiscal Fitness Journals   Topic: MrMiser Financial Health Log

Posted: Mon Mar 25, 2013 1:49 pm 

Replies: 18
Views: 4954


I got the first quote for my doors: $2,119. Unfortunately, my doors are all non-standard. Custom order. Cha-ching. I'm actually suprised they came in that low. I have one more contractor coming Wednesday for a check-bid. It is so easy to stress out about money. I keep running estimates of what we'll...

 Forum: Personal Finance   Topic: Buying vs. Leasing a Car: Dilemma

Posted: Sat Mar 23, 2013 7:14 am 

Replies: 3
Views: 1344


Your friend may or may not have gotten a good deal. When you trade in a car for a new one, be it purchase with loan or lease, they have a lot numbers to play with. Look up the "four square" technique, e.g. http://consumerist.com/2007/03/30/dealerships-rip-you-off-with-the-four-square-here...

 Forum: Fiscal Fitness Journals   Topic: MrMiser Financial Health Log

Posted: Sat Mar 23, 2013 6:44 am 

Replies: 18
Views: 4954


Another self motivating update. I made an ill-hearted attempt at home repair. I removed 5 interior doors, frames and all. I bought pre-hung doors, and quickly realized that my door jambs are wider than normal. My wife has grown tired of my misadventures in home repair, and is firm on calling in an e...

 Forum: Fiscal Fitness Journals   Topic: Managing $0.5 million in debt (Starting w/$35k credit cards)

Posted: Tue Mar 19, 2013 9:38 am 

Replies: 31
Views: 10334


My wife and I fell into the same trap this past weekend. What started out as an innocent drink led to two, three, four...well, you get the point. We racked up over $100 between dinner, drinks, and more drinks. One thing is for sure. We fail at times. And that's ok. It's what we do after we fail that...

 Forum: Fiscal Fitness Journals   Topic: MrMiser Financial Health Log

Posted: Sat Mar 16, 2013 5:41 am 

Replies: 18
Views: 4954


More progress. I got paid, and I got a bonus. The total between the two was $2,700, and I applied all of it to the school loan. Also, we got some final details about the medical loan. The total amount is actually $5,700. They said it's an interest free loan, but there is a $5/month service fee. I wi...

 Forum: Fiscal Fitness Journals   Topic: MrMiser Financial Health Log

Posted: Mon Mar 11, 2013 9:36 am 

Replies: 18
Views: 4954


I made some more progress on our school loan. I convinced my wife that it was a good idea to take cash from our envelopes and apply it to the school loan. We put "IOUs" in the envelopes. We'll repay them after the loans are gone. By taking this approach, we'll finish paying off the loans s...

 Forum: Fiscal Fitness Journals   Topic: MrMiser Financial Health Log

Posted: Tue Mar 05, 2013 11:06 am 

Replies: 18
Views: 4954


We live in Cincinnati, OH. My wife and I do the shopping together. We buy off-brand as much as possible. We were on a kick for a while of extreme couponing, but has strayed away from it for a few months. We could easily keep it to $100/week when coupoining - but of course, you are buying what's on s...

 Forum: Fiscal Fitness Journals   Topic: MrMiser Financial Health Log

Posted: Tue Mar 05, 2013 9:57 am 

Replies: 18
Views: 4954


We do spend about $500 a month at the grocery. Does that seem high for two people? We eat healthy, for the most part. Also, the $500 includes odds and ends items like TP, toiletries, etc. There are some months when we are closer to $400, but I budget for $500. I totally agree on the gifts being high...

 Forum: Fiscal Fitness Journals   Topic: MrMiser Financial Health Log

Posted: Mon Mar 04, 2013 4:08 pm 

Replies: 18
Views: 4954


We spend about $3,600 a month. Entertainment: $100 Misc: $400 (hair cuts, non-grocery needs, etc.) Restaurant: $100 Vacation Fund: $100 Gas/Electric: $150 (avg over the year) Water: $55 Internet: $65 (no cable or telephone, internet only) Wireless Phones: $109 Trash Service: $19 Gifts: $200 Clothing...

 Forum: Fiscal Fitness Journals   Topic: MrMiser Financial Health Log

Posted: Mon Mar 04, 2013 10:21 am 

Replies: 18
Views: 4954


:) Ok, replying to myself... I put $3k towards the student loan today. I'm working towards the Ramsey goal, which is eliminate non-mortgage debt, build an EF, and then (possibly) pay down the mortgage. I'll ignore Ramsey investing advice... Debt Medical: $0k/$6k Medical (0%) Student Loan: $3k/$10k (...

 Forum: Fiscal Fitness Journals   Topic: MrMiser Financial Health Log

Posted: Fri Mar 01, 2013 10:30 am 

Replies: 18
Views: 4954


Hello All- I thought I'd give this forum a try - - - one, to see what people think about where we are at, and two, to track our progress. I'm 36 and my wife is 26. Currently we have: Mortgage: $73,120 @ 3.75%, 10 year loan (8 years left). I estimate our house is worth about $90K. CC Debt: None Other...
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